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Senate advances bill to let insurers access driving records for underwriting
Summary
First substitute Senate Bill 88, sponsored by Senator Madsen, would permit insurers to access driving records to calculate risk and charge higher premiums to higher‑risk drivers; the Senate recorded a 26–0–3 vote advancing it toward third reading.
SALT LAKE CITY — The Utah Senate moved a measure forward intended to give insurance companies routine access to driving records for underwriting and risk assessment.
Senator Madsen, sponsor of the first substitute to Senate Bill 88, said the bill grew out of work on the GRAMA task force and would allow insurers to check driving records regularly, often via vendors who compile records. "In the state of Utah, insurance providers do not have a way of regularly checking the driving records of those that they insure," Madsen said, describing the bill as a method to ensure insurers can "calculate the risk and to charge those who present the risk" rather than spreading costs across all insured customers.
Madsen called for third reading and the Senate voted by roll call; the bill received 26 yes votes, 0 nay votes and 3 absences and was ordered to be read for the third time.
Proponents argued the change would enhance accurate risk‑based pricing; the floor record did not include organized opposition during the presentation.
